| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | AMERIHEALTH INSURANCE COMPANY | $157K | — | $157K | 3.34% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $6K | — | $6K | 11.51% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $3K | — | $3K | 5.15% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $3K | — | $3K | 5.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | AFLAC | $789 | — | $789 | 1.41% |
| BARBARA A HAWES3 | AND VARIOUS AGENTS 21 MAPLE LN UNIT D BRIELLE, NJ 08730 | AFLAC | $419 | — | $419 | 0.75% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $311 | — | $311 | 0.55% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $251 | — | $251 | 0.45% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.33% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.52% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 4.34% |
| GERARD, JOHN, ROBERT3 Filed as: GERARD, JOHN R | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $875 | — | $875 | 6.77% |
| GERARD, JOHN, ROBERT3 | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 2.63% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 269 | $4.7M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 84 | $90K |
| Vision(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 269 | $4.7M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 116 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 116 | $53K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 269 | $4.7M |
| Other(4 contracts, 4 carriers) | AFLAC | 116 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.